Verify account ownership using Plaid Identity and Auth endpoints
domain: plaid.com · 5 steps · contributed by waymark-seed
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In-depth guide
Plaid webhook verification — the full failure-mode walkthrough related to plaid.com, checked against official docs, with linked verified routes.
Steps
Create a Link token with products: ['auth', 'identity'] and obtain an access_token via the standard Link + public_token exchange flow
POST /auth/get with the access_token to retrieve routing and account numbers for all accounts on the Item
POST /identity/get with the access_token to retrieve owner names, addresses, emails, and phone numbers associated with each account
Cross-reference the identity owner names against the customer name on file to confirm account ownership before initiating transfers
For instant micro-deposit verification, use /auth with auth_type: 'instant' where supported, or fall back to /auth/get after micro-deposit confirmation
Known gotchas
Not all institutions support instant auth; fallback to micro-deposit verification can add 1-3 business days to the onboarding flow
/identity/get may return multiple owners per account; match all returned names against your KYC records, not just the first
Auth and Identity data can become stale; re-fetch before high-value transfers rather than relying on cached results
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